Borrowing in Beaulac-Garthby, Quebec

This page covers borrowing in Beaulac-Garthby, Quebec: the census facts, the provincial rules, and the products people compare.

The Quebec rules that apply

The regulator for consumer credit in Quebec is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

The federal Payday Lending Regulations (SOR/2024-114) are explicit that Quebec does not license payday lending, which changes which rules a short-term advance falls under.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. Debt management plans are administered by accredited credit counsellors, and they are not loans.

The census figures for Beaulac-Garthby

In the 2021 Census, Beaulac-Garthby had 931 residents. Statistics Canada lists 76.0 square kilometres of land for the community.

The arithmetic gives 12.3 people per square kilometre.

Beaulac-Garthby ranks 692 by population among the Quebec places on this site.

Within Quebec, Beaulac-Garthby is place number 692 by population in this census set, at 931 residents.

Products compared here

Each product below has its own page, and the Quebec position applies to all of them.

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

Beaulac-Garthby is one of 1150 covered Quebec places, counted at 931 residents with a land area of 76.0 square kilometres.

The Beaulac-Garthby page follows the same structure as every other place page, with population, land area, density and rank.

The density figure for Beaulac-Garthby, 12.3 people per square kilometre, is calculated from the population and land area above.

Where a figure for Beaulac-Garthby could not be verified, the page names the publisher instead of printing a number.

For Beaulac-Garthby, the two census fields above are the only local statistics used anywhere on the page.

Readers comparing Beaulac-Garthby with another community can use the same four census fields.

Beaulac-Garthby ranks 692 by 2021 Census population among the covered places in Quebec.

Beaulac-Garthby sits at rank 692 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Beaulac-Garthby appears in the census record with 931 residents, and the density of 12.3 people per square kilometre follows from it.

At 931 residents in the 2021 Census, Beaulac-Garthby is listed alongside the other covered places in Quebec.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.